Can I Get Good Car Insurance If I’m Under 25?

Young drivers may wonder, “Can I get good car insurance if I’m under 25?” The answer is yes. Age does not affect the types of coverage young drivers can obtain for their vehicle, although it is one of the factors taken into account for premium costs. Here are some ways young drivers may be able to get quality coverage while taking advantage of auto insurance discounts.

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WHAT KIND OF AUTO INSURANCE COVERAGE DO I NEED?

Young adults looking for quality auto insurance coverage may want to consider two things: Which coverages are required in your state and which optional coverages you may want to buy to help protect yourself, your passengers and your vehicle.

First, remember that most states legally require you to carry auto liability insurance, which helps pay for the other person’s expenses if you cause an accident. Some states may also require you to have other coverages, such as uninsured motorist coverage or personal injury protection. Finally, if you lease or finance a vehicle, comprehensive or collision insurance may be mandatory. These additional coverages are typically optional on a car insurance policy: medical payments coverage, rental reimbursement coverage, gap insurance coverage and towing and labor cost coverage.

If you have any questions or need help choosing coverages that fit your situation, talk to a local insurance agent.

CAR INSURANCE DISCOUNTS FOR FULL-TIME STUDENTS UNDER 25

If you’re a full-time student under 25, you may qualify for a discount on your car insurance that could help lower your premium payments. Here’s the catch: You will likely have to maintain good grades. But, nobody’s suggesting that only “A” students are eligible for discounts. Many insurance companies specify that as long as student drivers can maintain a B average, they may qualify for a student discount. The main reason you likely aim to do well in school is to get a degree and land a good job, but saving money on auto insurance could be the icing on the cake.

DO YOU HAVE A RENTERS INSURANCE POLICY?

If you’ve moved out of Mom and Dad’s house, do you rent an apartment? New drivers under 25 who have renters insurance may qualify for a multi-policy discount. If you buy auto insurance and renters insurance from the same company, check with your insurer about bunding your products.

WHAT DO YOU DO FOR A LIVING?

Young adults who work for certain corporations, or even a small- to medium-sized business with special discount programs, may qualify for an auto insurance discount. Speak with your human resources department to find out if your company is taking part in a group car insurance discount plan.

If you’re self-employed and work from home, or primarily work out of your home office, you probably don’t spend much time on the road. Or, you may choose to routinely take public transportation to work. If you don’t drive your car often, you may be eligible to buy a pay-per-use car insurance policy. Be sure to consult with your agent to see what’s available where you live.

There are many other discounts young adults under 25 may qualify for. A car insurance policy for new drivers will not only keep your car covered but may allow you to access the most available discounts. Take a look at all of your options, talk to an agent to make sure you are taking advantage of the discounts available to you. If you do, you may find that it’s not only possible to get good car insurance under 25, but also at a good price.

The Pfarr Insurance Agency is here to help you with any of your questions. We service most of Western Washington and are located in Tacoma on Point Ruston. Feel free to call us at (253) 201-1500.

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Dan Alling

18:05 18 Sep 20

Rob has been a great resource in providing options to have first rate insurance, while saving money. He was patient as I worked through my needs. And always very timely with he responses. I appreciate Rob’s attention to details and his flexibility to make himself available to assist as I needed.

Nicole Perigard

03:27 19 Aug 20

Rob & his team we’re super helpful in getting us the perfect coverage for our home, rental property, and car. They’re incredibly knowledgeable and friendly. Not to mention how fast they were at getting back to us about our questions! They made it really easy to switch and took care of all the details!

Oliver French

01:40 01 Oct 20

Michael, my Allstate agent at Pfarr, was awesome. He was uber responsive and informed; helping my family reduce our Premiums by more than half. The service I received made me confident we are in good hands should we ever need to make a claim. Highly recommend Pfarr!!

ranee

00:52 30 Sep 20

Alexa Rossellini has been fantastic in helping us secure homeowners insurance. She is professional, proactive and provided great value and pricing. All from a name we trust. Highly recommend!

Jessica Kulwik

00:44 12 Oct 20

Rob Pfarr was a huge help to us when we were switching our insurance. He saved us hundreds of dollars and helped us find areas where we were over-insuring. He's super friendly, made the process very simple, and was highly responsive.

Gunnar Conley

19:29 06 Nov 20

As a first time homeowner, I knew it was vital to find an insurance agent that is extremely knowledgeable and easy to communicate with. Rob Pfarr is both of those things and more! He really knows his stuff when it comes to all things insurance and he was able to save me more on homeowners insurance than anyone else I consulted. I will be using Rob Pfarr for life!

Haley Blaisure

21:11 29 Oct 20

At first, I questioned all state with everything that happened they fact I had to check over to make sure the address was correct since he didn’t read it. But Alexa has been excellent! She’s helped me so much today! She even since the proof of insurance to my apartment complex!! She’s the best!

Brenda Leech

23:24 05 Nov 20

The Pfarr team saved me 30% over Safeco on my annual premium for a rental property and was able to put that policy in place within 48 hours of contacting him. He has also helped many of my mortgage clients with their personal business and they too are raving fans. I would highly recommend this team to anyone searching for quality, professional service at a fair price.